Your real take-home pay, after tax.
See exactly what lands in your account after income tax, Medicare, HECS/HELP and super — updated for the 2026–27 financial year. Switch between yearly, monthly, fortnightly, weekly and hourly in one tap.
Your income
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Your pay, every which way
Estimate only, based on ATO rates for the year shown. Not financial advice. See the full method and assumptions below.
How your take-home pay is worked out
Four things come out of a typical Australian salary. This calculator applies each one using the official ATO figures for the financial year you choose.
This free salary calculator turns any annual salary — or an hourly, weekly or salary package figure — into your real take home pay. It works as an income tax calculator too, applying current Australian income tax rates so you can see every deduction: the amount of tax withheld, the Medicare levy, any HECS/HELP repayment, and the gross income versus net income split.
Australia taxes income at the federal level only — there is no separate state income tax — so your take-home pay is the same whether you live in Sydney, Perth or Hobart. Your employer withholds tax from each pay under the PAYG system, and the final position is squared up when you lodge your return.
Start with your gross salary. From it the calculator subtracts your income tax, the Medicare levy, and — if you have one — your compulsory HECS/HELP repayment. What is left is your net, in-the-hand pay. Superannuation sits outside this: it is paid by your employer on top of your salary, which is why it is shown separately rather than deducted.
Income tax rates — residents, 2026–27
| Taxable income | Tax on this income |
|---|---|
| $0 – $18,200 | Nil |
| $18,201 – $45,000 | 15c per $1 over $18,200 |
| $45,001 – $135,000 | $4,020 + 30c per $1 over $45,000 |
| $135,001 – $190,000 | $31,020 + 37c per $1 over $135,000 |
| $190,001 and over | $51,370 + 45c per $1 over $190,000 |
Australia's tax system sets out personal income tax rates in tax law, and the ATO publishes the tax tables employers use to work out withholding. This calculator uses the current Australian tax figures — the resident tax rates for 2026–27 — so each income tax bracket is applied correctly under the latest tax rules. The tax you should be paying on your salary follows from those brackets, plus the Medicare levy.
Medicare levy
Most residents pay 2% of taxable income to help fund public healthcare. Low earners pay a reduced rate or nothing; foreign residents don't pay it at all.
Superannuation
Employers pay 12% of your ordinary earnings into super in 2026–27. On a "salary + super" package this is on top of your pay — it's your money, just locked away for retirement.
HECS / HELP
From 2026–27 you only repay on income above $69,528, at 15c then 17c per dollar (capped at 10% of income) — so repayments are gentler than the old whole-of-income system.
"Salary + super" vs "package includes super" — why it matters
This single question trips up more people than any other, and it can change your take-home by thousands. If a job is advertised as "$90,000 + super", you are paid $90,000 and your employer adds 12% ($10,800) into super on top. If the same job is advertised as a "$90,000 total package including super", your actual salary is only about $80,357 and the rest is super — a real cut to the cash you take home. Use the toggle above to model both and compare.
Salary sacrifice and the HECS trap
Salary sacrificing into super is a popular way to cut tax, and it does lower your taxable income. But there is a catch many calculators get wrong: for HELP/HECS purposes the ATO adds the sacrificed amount back as reportable super contributions. So sacrificing does not shrink your compulsory student-loan repayment — the effect is close to neutral. Turn on the HECS toggle and add a salary sacrifice amount in Advanced options to see this handled correctly.
Gross vs net income: what actually comes out
Your gross pay (or gross income) is the headline figure before anything is taken out. Your net income — the take home pay, or take home salary, that lands in your account — is what's left after tax. The biggest deduction is income tax, charged at your marginal tax rate on the top slice of your earnings; on top of that sit the 2% Medicare levy and any HECS/HELP repayment. You can switch the result between every pay cycle: the calculator shows the same figures across all common pay frequencies, so checking what a pay rise is really worth takes seconds.
Whether you're on a full-time salary, a regular salary with the odd bit of overtime pay, or an hourly pay rate with extra pay for weekends, the calculator handles it. Enter a yearly, fortnightly pay, weekly pay or hourly amount for accurate take-home pay on each — a true Australian salary calculator and pay calculator Australia in one. Use the calculator to see the real amount of tax you pay, how your tax and super stack up, and your pay calculations before tax time.
Income tax, the ATO and your tax return
Through the year your employer sends the amount of tax they withhold to the tax office (the ATO) under PAYG. Whether you owe exactly that depends on your tax obligations for the year, which are squared up when you lodge your tax return. Two things change the maths: whether you're an Australian resident for tax purposes — residents get the tax-free threshold and lower rates, while foreign residents and working holiday makers don't — and any deductions you claim. Because it applies the current ATO tax rates, this tool doubles as an income tax calculator, handy for checking how much Australian income tax you'll pay on a given salary.
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Frequently asked questions
How is take-home pay calculated in Australia?
Take-home pay is your gross salary minus income tax (PAYG), the 2% Medicare levy, and any compulsory HECS/HELP repayment. Superannuation is paid by your employer on top of your salary, so it does not reduce your take-home pay — unless your package is quoted as including super, in which case part of the headline figure is really super.
What is the income tax rate for 2026–27?
For residents from 1 July 2026: 0% up to $18,200; 15% from $18,201 to $45,000 (reduced from 16%); 30% from $45,001 to $135,000; 37% from $135,001 to $190,000; and 45% above $190,000. The 2% Medicare levy applies on top for most residents.
How does HECS/HELP repayment work in 2026–27?
It uses a marginal system. You repay nothing below the minimum threshold of $69,528. Above it you repay 15 cents per dollar up to $129,717, then 17 cents per dollar above that — capped at 10% of your total repayment income, whichever is lower. This is far gentler than the old system, which applied a flat percentage to your whole income.
Does salary sacrifice reduce my HECS repayment?
No. Salary sacrificing to super lowers your taxable income for income tax, but the sacrificed amount is added back as reportable super contributions when your HELP repayment income is worked out. The net effect on your compulsory repayment is roughly neutral — a detail this calculator handles correctly.
Do non-residents and working holiday makers pay different tax?
Yes. Foreign residents pay 30% from the first dollar up to $135,000, then 37% and 45%, with no tax-free threshold, no Low Income Tax Offset and no Medicare levy. Working holiday makers pay 15% on the first $45,000 and then move onto the foreign resident scale.
How much super will I get in 2026–27?
The Super Guarantee rate is 12% of your ordinary time earnings for 2026–27. On a "salary + super" package it is paid on top of your salary; on a "total package" the 12% is carved out of the headline figure.
What's the difference between gross and net income?
Gross income (your gross salary) is your pay before deductions. Net income — your take home pay — is what's left after income tax, the Medicare levy and any HECS/HELP repayment. On a "salary + super" arrangement, super is paid on top and isn't deducted from either figure.
How much can I earn before I pay income tax?
Residents can earn up to the $18,200 tax-free threshold before any income tax applies. Above that, each bracket is taxed at its own rate. Foreign residents and working holiday makers don't get the tax-free threshold and pay tax from the first dollar.
Can this be used as an income tax calculator?
Yes. It applies current ATO tax rates, the Medicare levy and offsets, so it shows the amount of tax withheld from your pay and the Australian income tax you'll owe across the year — not just your take-home pay.
How do I claim tax deductions in Australia?
Work-related deductions are claimed in your annual tax return with the ATO, which reduces your taxable income and the tax you pay. This calculator estimates tax on your salary before deductions, so your final position after lodging may be a little lower.